| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $39K | $39K | 4.07% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 6.41% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28K | $4K | $31K | 13.37% |
| PATRICIA HERTZOG3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $920 | $9K | 3.83% |
| DEBORAH WILLHITE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.86% |
| SHARON IGNASIAK3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $138 | $3K | 1.37% |
| MARJORIE TORMAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $993 | — | $993 | 0.42% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $624 | — | $624 | 0.27% |
| DAVID A MYCEK3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $19 | $306 | 0.13% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | $20 | $157 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HORNE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.03% |
| KATHLEEN BYRNE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.02% |
| HELEN DIZ-HATTON3 Filed as: HELEN E MCCREADY | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| DAVID L SMELCER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD. SUITE 300 CLEVELAND, OH 44131 | HARTFORD LIFE AND ACCIDENT | $1K | $679 | $2K | 7.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | — | HARTFORD LIFE AND ACCIDENT | — | $1 | $1 | 0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 386 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $954K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 452 | $328K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 452 | $328K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 452 | $585K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 241 | $234K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 452 | $351K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 452 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.